Clear Retirement Advice LLC

In its 13F for Q1 2026 (holdings as of March 31, 2026, filed April 28, 2026), Clear Retirement Advice LLC reported 54 stock positions worth $127.4 million. Its top holding was Schwab Short-Term US Treas (SCHO) at 11.4% of the portfolio, followed by Ste STR SPDR PT DW Eu ETF (SPDW, 10.1%) and iShares Core S&P Total U.S. (ITOT, 9.3%). Compared with Q4 2025, it opened 1 new position, added to 17 and reduced 11. The biggest buy was Apple (AAPL, shares +191%) and the biggest sale Vanguard Ftse Emerging Marke (VWO, shares −0%).

Most Recent 13F
Q2 2026
Location
SAN MATEO, CA
CIK
0002112984
Portfolio Value
$127.4M (Q1 2026)
SEC Filing
0002112984-26-000002 ↗ filed Apr 28, 2026

Holdings Value

0$50.0M$100.0M$150.0M Q4 2025: $128.6M Q4 2025 Q1 2026: $127.4M $127.4M Q1 2026 Q2 2026: $146.0M Q2 2026

Holdings 54 stocks · $127.4M
SCHO Schwab Short-Term US Treas 11.40% 598,083 $14.5M Add +1.6%
SPDW Ste STR SPDR PT DW Eu ETF 10.08% 281,259 $12.8M Add +0.6%
ITOT iShares Core S&P Total U.S. 9.34% 83,503 $11.9M Add +1.8%
TBLL Invesco Short Term Treasury 9.33% 112,551 $11.9M Add +0.6%
VBR Vngrd Mrngst SL-CP Val ETF-U 5.58% 32,711 $7.1M Add +0.8%
IGSB iShares 1-5Y Inv Grade Corp. 5.49% 133,030 $7.0M Add +0.1%
VBK Van Morst SML-Cap Gro-Usd Inc. 4.41% 18,589 $5.6M Reduce -0.4%
SGOL Abrdn Physical Gold Shares 4.26% 121,677 $5.4M Add +1.7%
VWO Vanguard Ftse Emerging Marke 4.12% 97,045 $5.2M Reduce -0.2%
SPYV SS SPDR P S&P 500 Value ETF 3.55% 79,943 $4.5M Add +3.3%
VTI VG Morningstar TS MKT ETF-US 3.48% 13,829 $4.4M Add +2.6%
SPYG SS SPDR P S&P 500 Growth ETF 2.89% 37,625 $3.7M Add +3.6%
VCSH Vanguard S/T Corp. Bond ETF 2.20% 35,281 $2.8M Add +8.4%
VEA Vanguard Ftse Developed ETF 2.15% 42,683 $2.7M Reduce -0.6%
IAU iShares Gold Trust 1.94% 27,961 $2.5M Reduce -1.4%
AAPL Apple Inc. 1.82% 9,147 $2.3M Add +190.7%
SCHF Schwab Intl Equity ETF 1.72% 88,599 $2.2M Reduce -2.3%
SCHB Schwab US Broad Market ETF 1.57% 79,917 $2.0M Add +11.5%
IEMG iShares Core MSCI Emerging 1.44% 26,360 $1.8M Add +0.1%
SCHV Schwab US Large-Cap Value 1.39% 58,035 $1.8M Reduce -5.2%
SLYG SS SPDR S&P 600 SC GR ETF 0.91% 12,012 $1.2M Add +7.1%
SCHG Schwab US Large-Cap Growth 0.69% 30,108 $877K Add +5.3%
SLYV SS SPDR S&P 600 SC Val ETF 0.62% 8,306 $786K Reduce -0.2%
VGT Vanguard Info Tech ETF 0.62% 1,124 $784K No change
VTV Vanguard Mrngstr Val ETF-Aui 0.59% 3,851 $756K No change
SHY iShares 1-3 Year Treasury Bo 0.56% 8,581 $709K No change
V Visa Inc. Class A 0.48% 2,003 $605K Add +4.7%
VTWV Vanguard Russell 2000 Value 0.47% 3,613 $604K Reduce -0.9%
SPY SS SPDR S&P 500 ETF Trust-US 0.45% 874 $568K No change
GOOGL Alphabet Inc. Class A 0.43% 1,897 $546K No change
GOOG Alphabet Inc. Class C 0.42% 1,852 $531K No change
SCHH Schwab US REIT ETF 0.41% 24,235 $521K Reduce -15.1%
MA Mastercard Inc. Class A 0.40% 1,029 $514K No change
VUG Vanguard Mrngstar GR ETF-Sui 0.32% 937 $409K Reduce -11.9%
XLI SS Industrial Select Sector 0.30% 2,377 $384K No change
XLY SS Consumer Disc Select Sect 0.29% 3,352 $365K No change
ITM Vaneck Intermediate Muni ETF 0.28% 7,552 $351K No change
SPEM State Street SP PTF Em ETF 0.27% 7,457 $350K No change
MUB iShares National Muni Bond E 0.27% 3,217 $341K No change
XLV SS Health Care Select Sector 0.26% 2,236 $328K No change
XLU St Sr Utl SL SE SPDR ETF-Usd 0.24% 6,652 $305K No change
AZO AutoZone Inc. 0.24% 89 $301K No change
VOX Vanguard Communication Servi 0.23% 1,635 $294K No change
RSP Invesco S&P 500 Equal Weight 0.23% 1,519 $292K No change
XLK SS Technology Select Sector 0.22% 2,125 $282K No change
JNJ Johnson & Johnson 0.21% 1,082 $264K No change
FAST Fastenal Co. 0.21% 5,694 $264K No change
EFG iShares MSCI Eafe Growth ETF 0.20% 2,331 $260K No change
XLP SS Consumer Staples Sel Sect 0.19% 3,000 $246K No change
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.18% 1,433 $229K No change
IWO iShares Russell 2000 Growth 0.17% 707 $222K Reduce -0.4%
CB Chubb Ltd. 0.17% 656 $214K No change
HD Home Depot Inc. 0.17% 642 $211K No change
BRK.B Berkshire Hathaway Inc. Class B 0.16% 423 $203K New

Portfolio Sells Q4 2025 → Q1 2026
VWO Vanguard Ftse Emerging Marke Reduce -0.2% 4.12% −0.15
SCHV Schwab US Large-Cap Value Reduce -5.2% 1.39% −0.12
SCHF Schwab Intl Equity ETF Reduce -2.3% 1.72% −0.09
VBK Van Morst SML-Cap Gro-Usd Inc. Reduce -0.4% 4.41% −0.09
VEA Vanguard Ftse Developed ETF Reduce -0.6% 2.15% −0.08
SCHH Schwab US REIT ETF Reduce -15.1% 0.41% −0.07
VUG Vanguard Mrngstar GR ETF-Sui Reduce -11.9% 0.32% −0.07
IAU iShares Gold Trust Reduce -1.4% 1.94% −0.06
SLYV SS SPDR S&P 600 SC Val ETF Reduce -0.2% 0.62% −0.02
VTWV Vanguard Russell 2000 Value Reduce -0.9% 0.47% −0.02
IWO iShares Russell 2000 Growth Reduce -0.4% 0.17% −0.01

Portfolio Buys Q4 2025 → Q1 2026
AAPL Apple Inc. Add +190.7% 1.82% +1.15
SCHO Schwab Short-Term US Treas Add +1.6% 11.40% +0.24
VCSH Vanguard S/T Corp. Bond ETF Add +8.4% 2.20% +0.18
BRK.B Berkshire Hathaway Inc. Class B New 0.16% +0.16
TBLL Invesco Short Term Treasury Add +0.6% 9.33% +0.13
SCHB Schwab US Broad Market ETF Add +11.5% 1.57% +0.10
SLYG SS SPDR S&P 600 SC GR ETF Add +7.1% 0.91% +0.05
IGSB iShares 1-5Y Inv Grade Corp. Add +0.1% 5.49% +0.03
SPYV SS SPDR P S&P 500 Value ETF Add +3.3% 3.55% +0.02
SCHG Schwab US Large-Cap Growth Add +5.3% 0.69% −0.00
V Visa Inc. Class A Add +4.7% 0.48% −0.02
IEMG iShares Core MSCI Emerging Add +0.1% 1.44% −0.03
SPYG SS SPDR P S&P 500 Growth ETF Add +3.6% 2.89% −0.05
VTI VG Morningstar TS MKT ETF-US Add +2.6% 3.48% −0.06
SGOL Abrdn Physical Gold Shares Add +1.7% 4.26% −0.12
VBR Vngrd Mrngst SL-CP Val ETF-U Add +0.8% 5.58% −0.18
ITOT iShares Core S&P Total U.S. Add +1.8% 9.34% −0.22
SPDW Ste STR SPDR PT DW Eu ETF Add +0.6% 10.08% −0.24

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 54$146.0MSCHO, SPDW, ITOT, TBLL, VBR
Q1 2026 54$127.4MSCHO, SPDW, ITOT, TBLL, VBR
Q4 2025 53$128.6MSCHO, SPDW, ITOT, TBLL, VBR